Check Before You Invest : Shalibhadra Finance Ltd

Q: Which industry/sub-sector does Shalibhadra Finance Ltd belong to?

Shalibhadra Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q: Is Shalibhadra Finance Ltd a good quality company?

Shalibhadra Finance Ltd is a average quality company, based on a somewhat consistent multi-year financial track record. This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q: Is Shalibhadra Finance Ltd undervalued or overvalued?

Shalibhadra Finance Ltd appears Fair, as its key valuation ratios are in line with their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: 12.33, Historic Median: 19.43. Price to Book, Current: 1.38, Historic Median: 1.96. Price to Sales, Current: 5.89, Historic Median: -. EV to EBITDA, Current: 9.25, Historic Median: 12.36

Q: Is Shalibhadra Finance Ltd a good buy now?

Shalibhadra Finance Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Q: Total Income growth of Shalibhadra Finance Ltd?

Shalibhadra Finance Ltd Operating Income growth is 7.05% for FY-2025, which is below its 5-year CAGR of 7.89%, indicating slower growth.

Q: Return on Assets of Shalibhadra Finance Ltd?

Shalibhadra Finance Ltd Return on Asset is 9.1%, which is above its 5-year historical median of 6.6%, indicating improved earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 46.26, Historic Median: 30.59. PPOP (%), Current: 21.05, Historic Median: 25. RoA (%), Current: 9.1, Historic Median: 6.6

Q: Return on Equity (ROE) of Shalibhadra Finance Ltd?

Shalibhadra Finance Ltd Return on Equity is 12.8% for FY-2025, which is in line with its 5-year historical median of 12.8%, indicating the business is making similar use of its shareholders capital.

Q: Pre-provisioning operating profit margin of Shalibhadra Finance Ltd?

Shalibhadra Finance Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 21.05% for FY-2025, which is below its 5-year median(25%), indicating decreasing margins.

Q: Net Profit Margin of Shalibhadra Finance Ltd?

Shalibhadra Finance Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 46.26% for FY-2025, which is above its 5-year median( 30.59%), indicating increasing margins.

Q: Does its ROIC exceed its WACC?

Shalibhadra Finance Ltd return on invested capital (ROIC) is 11.44% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Check Before You Invest : Shalibhadra Finance Ltd

BSE: 511754 NSE: SAHLIBHFI ISIN: INE861D01011

| Sector: BFSI | Industry: Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does Shalibhadra Finance Ltd belong to?

Shalibhadra Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Shalibhadra Finance Ltd a good quality company?

Shalibhadra Finance Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is Shalibhadra Finance Ltd undervalued or overvalued?

Shalibhadra Finance Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	5-year Historic Median
Price to Earnings	12.33	19.43
Price to Book	1.38	1.96
Price to Sales	5.89	-
EV to EBITDA	9.25	12.36

Q.4 Is Shalibhadra Finance Ltd a good buy now?

Shalibhadra Finance Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Shalibhadra Finance Ltd?

Shalibhadra Finance Ltd Operating Income growth is 7.05% for FY-2025, which is below its 5-year CAGR of 7.89%, indicating slower growth.

Q.2 Return on Assets of Shalibhadra Finance Ltd?

Shalibhadra Finance Ltd Return on Asset is 9.1%, which is above its 5-year historical median of 6.6%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	46.26	30.59
PPOP (%)	21.05	25
RoA (%)	9.1	6.6

Q.3 Return on Equity (ROE) of Shalibhadra Finance Ltd?

Shalibhadra Finance Ltd Return on Equity is 12.8% for FY-2025, which is in line with its 5-year historical median of 12.8%, indicating the business is making similar use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Shalibhadra Finance Ltd?

Shalibhadra Finance Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 21.05% for FY-2025, which is below its 5-year median(25%), indicating decreasing margins.

Q.5 Net Profit Margin of Shalibhadra Finance Ltd?

Shalibhadra Finance Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 46.26% for FY-2025, which is above its 5-year median( 30.59%), indicating increasing margins.

Q.6 Does its ROIC exceed its WACC?

Shalibhadra Finance Ltd return on invested capital (ROIC) is 11.44% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of Shalibhadra Finance Ltd?

Shalibhadra Finance Ltd Total Asset growth is 23.42% for FY-2025, which is above its 5-year CAGR of 9.65%, indicating faster growth.

Ownership & governance

D: Promoter shareholding and pledge status of Shalibhadra Finance Ltd?

Q.1 Promoter shareholding and pledge status of Shalibhadra Finance Ltd?

Promoters hold 57.78% of the Shalibhadra Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Shalibhadra Finance Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Shalibhadra Finance Ltd vs Industry Peers?

Shalibhadra Finance Ltd AUM CAGR is 9.65%, compared to the 5-year industry median CAGR of 9.71%, indicating stable growth and maintaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Shalibhadra Finance Ltd vs industry peers

Shalibhadra Finance Ltd profit metrics are above the industry median level of 4.76%, indicating stronger profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	46.26	12.87
PPOP (%)	21.05	-
RoA (%)	9.1	1.4

Q.3 Operating efficiency of Shalibhadra Finance Ltd vs industry peers?

Shalibhadra Finance Ltd ROCE (15) is above the industry median of (4.15); while the current ROE (12.8) are above than the 5-year average Industry ROE (2.3). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	46.26	12.87
PPOP (%)	21.05	-
RoA (%)	9.1	1.4
ROCE (%)	15	4.15
ROE (%)	12.8	2.3

Valuation & price assessment

Q.1 Valuation ratios of Shalibhadra Finance Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 1.38 is lower than its historical median of 1.96, indicating that the stock is trading below its historical average valuation.

Q.2 Stock return of Shalibhadra Finance Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 20.4% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	20.4%	42.1%	26.9%	-40.9%

Q.3 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	12.33	19.43	29.12
Price to Book	1.38	1.96	1.11
Price to Sales	5.89	-	9.10
EV to EBITDA	9.25	12.36	11.77

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Check Before You Invest : Shalibhadra Finance Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

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Check trending companies

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